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We even re-shop your policy annually so you always have the best rate.


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Home insurance basics


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Decide how much coverage you’ll need to protect your belongings and your liability.


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Once you’ve got your policy and all available discounts, you’ll pay your premium monthly or annually.


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If your home or belongings are damaged by an event outlined in your policy, the insurance company will pay out to fix or replace them.

Common types of homeowners insurance coverage include:



Protects against damage to your home itself, like the structure or roof. This should be equal to the rebuild cost of your home.

Other structures

Protects against damage to detached structures like your garage, pool, fence, or mailbox.

Personal property

Reimburses you if your personal belongings (furniture, electronics, kitchenware, etc) are damaged or stolen.

Additional living expenses

Covers costs like temporary lodging and eating out if your home becomes unlivable.

Personal liability

Reimburses you if you’re sued for accidental injury or property damage to others (think dog bites).

Medical payments

Covers the costs of minor injuries if someone who isn’t a resident of your home is injured on your property.

The Policygenius Difference

Homeowners insurance done right


Compare insurers.

Our experts will find your best rates from top companies.


Get expert advice.

Find out what you need — and what you don’t.

Insurance Rates

Re-shop annually.

We’ll check every year to make sure you’re getting the best rate.

How much does homeowners insurance cost?

Coverage amountAnnual premiumPer-month average premium
$100,000 to $200,000$936 / year$78.00 / month
$200,000 to $300,000$1,092 / year$91.00 / month
$300,000 to $400,000$1,252 / year$104.33 / month
$400,000 to $500,000$1,467 / year$122.25 / month
$500,000 and over$2,149 / year$179.00 / month

Sample annual premium rates based on NAIC Insurance Report

The following factors will determine
the cost of your homeowners insurance policy:


Your home

How long your home’s been around, where it’s located, and which materials it's made from will affect how much you'll pay to insure it.

Your coverage

Rates are directly tied to the amount of protection in your policy. The higher and more robust your coverage, the higher your insurance premiums will be.

Your credit score

Homeowners with poor credit are statistically more likely to file insurance claims, so it is a red flag for insurance companies.

Your claims history

If you’ve filed multiple insurance claims in the past, and/or your home has a history of structural damage and loss, your insurance premiums will probably be higher.

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We're independent.
So you can count on us.

Policygenius is a licensed insurance marketplace staffed by salaried agents. While we do earn a commission from insurance companies for policies we sell, no company pays us for preferential treatment, and we never tack on additional fees. That means you can trust that our advice is based only on your best interests.

How to save on homeowners insurance

Multi-policy discount - Bundle two or more insurance policies, like home and auto, with the same company to save as much as 20% on coverage.

Protective devices discount - If your home has deadbolts, storm-resistant roofing, and centralized fire and burglar alarms, you’ll be eligible for a protective devices discount.

Claim-free discount - Many insurers will trim your insurance rates if you haven’t filed a claim in the last 3 to 5 years.

Loyalty discount - Expect a hefty policy discount if you’ve been insured with the same company for 5 years or longer.

First-time homebuyer discount - Most insurance companies will offer discounts if you’re insuring a new home or if you recently purchased a home.

How we’ve helped American families

$60 Billion

in coverage

30+ Million

shoppers helped


average savings /yr

How to buy homeowners insurance

Collect your info


You'll need to provide details about your home and living situation in order to get quotes. Re-shopping your policy? Have your current declarations page handy to make the process smoother.

Choose a coverage amount


You should have enough coverage to fully replace your home (known as the replacement cost). You may also need flood or earthquake coverage. We'll recommend an amount when you apply.

Fill out an application


Apply online in under five minutes. We'll send personalized side-by-side policy options directly to your inbox.

Choose a policy


A Policygenius expert will help you compare policies and discounts across companies to find the right coverage amount for the right price. We'll handle the paperwork for you - for free.

Welcome the inspector


Your insurance company will typically send someone to perform a home inspection to make sure everything is in order.

Sign your policy


Once all the boxes are checked, you'll sign on that dotted line, pay your first premium, and relish the comfort of knowing that you and your stuff are covered.

Already have home insurance?

Don't overpay! Policygenius’ licensed experts can help you compare your existing policy for free.

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Frequently asked questions


How much is home insurance?


Homeowners insurance costs, on average, around $100 a month, or around $1,200 a year. Your cost will depend on a number of factors like where you live, the construction of your house, your deductible, and more. Discounts are a common way to make your policy more affordable.


How can I lower my home insurance rates?


There are several ways to make your home insurance more affordable. Be on the lookout for discounts from your company, like multi-policy discounts, first-time homebuyer discounts, and claim-free discounts. You can raise your deductible, but beware that this means you'll pay more out of pocket before the carrier pays out a claim. Most importantly, compare multiple companies while you're shopping to make sure you're getting the right coverage for the right price.


Which insurance company is best for homeowners?


There's no one-size-fits-all home insurance company for anyone. You'll want to find a company that offers policies in your state, and choose the one that offers the coverage you need at the most affordable cost. Look for companies that offer discounts, like bundling your home and auto insurance. Comparing companies before you buy is the best way to arrive at the right choice.


What does home insurance cover?


Your homeowners policy consists of different types of protection, like dwelling, personal property, and medical payments coverage. Your home insurance protects your property from perils listed in your policy, including fire, wind, and theft.


How much home insurance do I need?


Homeowners insurance coverage needs depend on your specific house. In general, your coverage amounts should be high enough to cover your home’s rebuild cost, the monetary value of your personal belongings, and your combined assets. If you need flood or earthquake coverage, you'll need to buy those separately.